Here comes the bear market for bonds - The Term Sheet: Fortunes deals blog Term Sheet. What Scott Minerd of Guggenheim Partners is doing to prepare for the lean times in fixed-income investing. Interview by Amy Feldman, contributor Scott Minerd, Guggenheim Partners FORTUNE -- Guggenheim Partners chief investment officer Scott Minerd is a financial-history buff with a record of making dramatic predictions. In 2005 he warned clients of a looming cataclysm, and then was buying bonds again by October 2008. Those calls have helped the firm -- founded by the grandson of Solomon Guggenheim -- increase assets to $122 billion at the end of 2011, from $35 billion in 2007. Its fixed-income composite has returned an annualized 7.4% for the decade ended Dec. 31, ranking it in the top percentile of eVestment Alliance's U.S. core fixed income. You think a generational bear market for bonds is coming -- why? We're coming out of a generational bull market, and I believe rates for Treasury securities have traded at their lows.
So we're not quite there yet, but moving toward it? That's right. Popular Quotes. 5 Ways to Give Yourself an Education That Kicks the Crap Out of the One You Got in School. 5 Ways to Give Yourself an Education That Kicks the Crap Out of the One You Got in School One of the biggest reasons that people are denied the privilege of education is because they can’t afford it. However, today we live in a world where knowledge and information are at our finger tips like never before.
Technology has leveled the playing field so that anybody with an interest and an internet connection can receive a world class education. Bloggers, podcasters, search engines and digital content creators of all types of have made it possible for us to learn virtually anything we want to even if we don’t have the money. If you want to learn anything chances are there is somebody creating content about the subject and sharing it with the world at no cost. Self Motivation is Not Optional Taking this kind of approach to educating yourself requires an extremely high degree of self motivation. 1. 2.
Want to learn how to get in shape? 3. 4. 5. Education as we know it is changing rapidly. Handwriting tips. You’ve decided you want to improve your handwriting and you’re probably hoping a fountain pen will do the trick -- maybe a friend told you it would. Maybe you’re just adventurous and you want to try your hand at calligraphy (or you might, once your handwriting improves). Good for you! A fountain pen may make your writing look a bit better, but if your writing looks as if frenzied chickens got loose on the page, chances are this won’t be enough.
Most likely, you’ll need to retrain your arm and hand. After coaching handwriting and teaching calligraphy over the years, I’ve learned to see the characteristics of those who’ll be able to pick up the necessary motions quickly from those who’ll have to work a bit harder. Crampy, uneven letters are often the result of drawing the letters with the fingers rather than using the whole arm to write. People who inevitably have trouble with handwriting and calligraphy write with their fingers. It will take time to re-train muscles and learn new habits. Sometimes All You Need Is A Little Inspiration to Keep Rolling.
PHILOSOPHY POSTERS by Max Temkin | News | Design | Arts | Tech | Entertainment | Latest News | The Skunk Pot. Philosophy is the study of general and fundamental problems, such as those connected with existence, knowledge, values, reason, mind, and language. Philosophy is distinguished from other ways of addressing such problems by its critical, generally systematic approach and its reliance on rational argument. The word “philosophy” comes from the Greek φιλοσοφία (philosophia), which literally means “love of wisdom“.
In this case, Max Temkin, the artist, wanted to create posters with quotes that motivated people to think ‘different‘. More about Max Temkin’s philosophy posters Also check out AMAZING SLEEPING BABIES PHOTOGRAPHY and MAPPING STEREOTYPES. Ideas, Strategy & Creatives & Get into Action: 77 Thoughts on Motivation. The Luxury Dhigu Resort, Maldives | Luxury Furniture, Property, Travel & Interior Design.
The luxury Dhigu Resort, Maldives Anantara Dhigu Resort & Spa is encircled by mystic lagoons and unspoilt crystal shores, the resort is a heavenly sanctuary on a secluded paradise island, offering barefoot elegance in one of the world’s most celebrated tropical havens. Here the sparkling turquoise waters of the Indian Ocean offer an endless horizon of aquatic allure and the evocative location is matched by a tranquil island design style. Anantara Dhigu is a luxurious five-star resort hidden on tropical terrain on Dhigufinolhu Island in the Maldives’ South Male Atoll, a mere 35 minute speedboat journey from the island nation’s international airport, or a scenic five minutes by private chartered seaplane.
Male-based architect Mohamed Shafeeq from Group X Design Associates and Thailand-based interior design company, Abacus, headed by John Lightbody, have styled the resort’s distinctive environment as a creative complement to the natural beauty of the island. Anantara Dhigu, P.O. How to Win Friends and Influence People by Dale Carnegie. 100 Tips About Life, People, and Happiness. Top 40 Useful Sites To Learn New Skills. 8 Ways to Get Back in the Groove. We all get out of the groove every once in a while. Long days at work, fights with friends and other sources of frustration can leave one feeling very lacking in gusto for life. And there is one thing every personal development expert knows: a positive attitude is vital for happiness and success.
So how do you jump that gap from pessimism back to optimism? Here are some simple ideas that will do the trick: 1) Meditate It does not matter how you do this. At the very least, just sit in a quiet place and try to focus on your breathing to keep other thoughts out of your mind. It was recently proven that meditation reduces anxiety, depression and high blood pressure. 2) Get Amped Up a) Do the exact opposite of quiet meditation. B) All the while, think about all of the most positive things in your life. C) The combination of positive thoughts, serotonin (happy hormone) and adrenaline will leave you feeling like a Neo from the matrix (badass). 3) Visualize 4) Work Out (like a beast) 6) Take a Nap. How To Be More Interesting (In 10 Simple Steps) INCREDIBOX. 21 Books Every Entrepreneur Should Read.
11 Things to Know at 25(ish) When you’re 25-ish, you’re old enough to know what kind of music you love, regardless of what your last boyfriend or roommate always used to play. You know how to walk in heels, how to tie a necktie, how to give a good toast at a wedding and how to make something for dinner. You don’t have to think much about skin care, home ownership or your retirement plan. Your life can look a lot of different ways when you’re 25: single, dating, engaged, married. You are working in dream jobs, pay-the-bills jobs and downright horrible jobs.
You are young enough to believe that anything is possible, and you are old enough to make that belief a reality. Now is the time to figure out what kind of work you love to do. What are you good at? When I was 25, I was in my third job in as many years—all in the same area at a church, but the responsibilities were different each time.
Alternative Sleep Cycles: You Don’t Really Need 6-8 Hours! Most people only think that there is one way to sleep: Go to sleep at night for 6-8 hours, wake up in the morning, stay awake for 16-18 hours and then repeat. Actually, that is called a monophasic sleep cycle, which is only 1 of 5 major sleep cycles that have been used successfully throughout history. The other 4 are considered polyphasic sleep cycles due to the multiple number of naps they require each day. How is this possible? How is this healthy? Well the most important of every sleep cycle is the Stage 4 REM (Rapid Eye Movement) sleep, which has been shown to provide the benefits of sleep to the brain above all other stages of sleep.
This way, you still get the benefits of 8 hours of sleep without wasting all of the time it takes to get to REM cycles, resulting in a much more efficient sleep cycle. Uberman Cycle: 20 to 30 minute naps every 4 hours, resulting in 6 naps each day. Everyman Cycle: One longer “core” nap that is supplemented with several 20-30 minute naps. Dymaxion Cycle: 50 Life Secrets and Tips.
Memorize something everyday.Not only will this leave your brain sharp and your memory functioning, you will also have a huge library of quotes to bust out at any moment. Poetry, sayings and philosophies are your best options.Constantly try to reduce your attachment to possessions.Those who are heavy-set with material desires will have a lot of trouble when their things are taken away from them or lost. Possessions do end up owning you, not the other way around. Become a person of minimal needs and you will be much more content.Develop an endless curiosity about this world.Become an explorer and view the world as your jungle. Stop and observe all of the little things as completely unique events. Try new things.
Get out of your comfort zone and try to experience as many different environments and sensations as possible. This world has so much to offer, so why not take advantage of it? 10 Best Sexual Drinking Games. Some of the best sexual drinking games can be done either in an intimate setting with only you and your girlfriend or you can make it a party and have multiple people. The ten most commonly played sexual drinking games are: Nine cans of beer or the floor. In this game you will need about nine cans of beer per person, (NOTE: not everyone will finish this game) a shot glass and a time keeper. Every minute for 100 minutes you take a shot of beer. At first that may seem easy enough but when you add it up it comes out to about nine beers in just over an hour and a half. My Next Life.